Union County and Cranford Township property record for 5 Willow St, Cranford, NJ 07016
| Property Type | Single Family Home |
|---|---|
| Details | built 1890 |
| Lot Size | 0.227 acres (9,875 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $850,000 (Jun 2026) |
| Tax Bill | $15,127 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jun 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-00165-0000-00006 |
| Primary APN | 03-00165-0000-00006 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Construction Type | Frame |
| Lot Area | 9,875 sqft (0.227 acres) |
| Parking Spaces | 1 Parking Space |
| Account Number | 1116007 |
|---|---|
| Street Address | 5 WILLOW ST |
| City | CRANFORD |
| State | NJ |
| Zip | 07016-1854 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | EDWARD BEADLE SR |
| Legal Block | 165 |
| Legal Lot Number | 6 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | CRANFORD |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 37100 |
5 Willow St is owned and occupied by two individuals who bought it in June 2026.
Source: Union County and Cranford Township records, as of July 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5 WILLOW ST, CRANFORD, NJ 07016-1854 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 11, 2026 | Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC |
| Jun 11, 2026 | Deed, Transfer · Conventional Mortgage OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN |
| Feb 21, 2018 | Deed of Trust, Mortgage · Line of Credit WFB NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2026 · Amount on File |
| Deed Sale | Jun 11, 2026 · Amount on File |
| Prior Sale | Sep 28, 1977 · Amount on File |
| Deed Document Number | 202655477 |
| Deed Book / Page | 6621 / 225 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Jun 11, 2026 |
| Property Address | 5 WILLOW ST, CRANFORD, NJ 07016-1854 |
| Document Number | 0066210225 |
| Book / Page | 6621 / 225 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 202655477 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $85,850.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 WILLOW ST, CRANFORD, NJ 07016-1854 |
| Document Number | 0000093469, |
|---|---|
| Date | Jun 11, 2026 |
| Instrument | 202693469 |
| Name | LUMINATE HOME LOANS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Jun 11, 2026 |
| Property Address | 5 WILLOW ST, CRANFORD, NJ 07016-1854 |
| Document Number | 0000055477 |
| Book / Page | 6621 / 225 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 202655477 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $85,850.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 WILLOW ST, CRANFORD, NJ 07016-1854 |
| Document Number | 0000093469, |
|---|---|
| Date | Jun 11, 2026 |
| Instrument | 202693469 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 5 WILLOW ST, CRANFORD, NJ 07016-1854 |
| Document Number | 0144260853 |
| Instrument Date | Feb 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5 WILLOW ST CRANFORD NJ 070161854, CRANFORD, NJ 07016-1854 |
| Document Number | 0144260853 |
|---|---|
| Date | Apr 10, 2018 |
| Book Page | 014426/000853 |
| Instrument | 655809 |
| Name | WFB NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 9, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 5 Willow St was $15,127, up 6.9% from the year before.
Source: Union County and Cranford Township assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| County Subdivision | Cranford Township |
| Unified School District | Cranford Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $208,700 (-) Land $115,100 Building $93,600 | $208,700 (-) Land $115,100 Building $93,600 | |
| 2025 | $15,127.00 (+6.92%) | $208,700 Land $115,100 Building $93,600 | $208,700 Land $115,100 Building $93,600 |
| 2024 | $14,148.00 | ||
| 2023 | $208,700 Land $115,100 Building $93,600 | $208,700 Land $115,100 Building $93,600 | |
| 2022 | $13,686.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 5 Willow St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 54 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 54 in force |
| Nearby Flood Claims | 152 (1979–2021) |
| Claims Outside the SFHA | 38 of 152 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 5 Willow St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 97.3% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NJ AMERICAN WATER - RARITAN private · serves 615,430 people · EPA ID NJ2004002 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 551 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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